Plan your deposit and budget before buying a home
Before buying a home, separate what you own from cash you can actually use. KRONO helps organise savings, debts and monthly costs; it is not a mortgage offer or property valuation.
KRONO AS · Updated:
Separate deposit money from net worth
Investments and property are assets, but may not be immediately available for a deposit. List liquid savings separately, keep an emergency reserve and use current statements rather than optimistic estimates.
A simple savings example
Illustration only, not advice or statistics: €30,000 available savings plus €500 a month for 24 months equals €42,000 before interest or unexpected costs. This arithmetic is not a verified KRONO home-purchase simulation or a guarantee of affordability.
Count purchase and running costs separately
Ask for current local figures for taxes, legal fees, registration, agents and repairs. Then budget for the mortgage, service charges, energy, insurance and maintenance. Costs and rules differ by country and property; KRONO does not calculate local purchase taxes here.
Use real lender calculations
A mortgage assessment needs interest rates, fees, term, repayment schedule, outstanding balance and possible overpayments. Use a suitable mortgage calculator and actual lender offers. A surplus in KRONO is not a lending decision.
Keep the horizon honest
The documented financial forecast extends up to 24 months, while payment forecasts cover 7 days to 3 months. A purchase three years away is beyond that described horizon. Update your plan when costs or income change.
Country availability and pricing
Automatic bank connection is available only in Germany. Elsewhere, use manual accounts and CSV import.
Free forever: up to 3 accounts, 2 loans and 1 monthly budget. Pro: €6.99/month or €69.99/year in euro countries; App Store prices can vary by country.
Start with KRONO Free
Add your own figures and check which features fit your needs.
KRONO for iPhone (iOS) · Free: €0 · Pro: €6.99 per month or €69.99 per year in euro countries. Prices can differ by App Store country.
Automatic bank connection is currently only available in Germany. Elsewhere you add accounts manually or import transactions from a CSV file.
| Area | In KRONO | Limit |
|---|---|---|
| Net worth | Assets minus debts | Update manual values; no automatic property valuation |
| Cash flow | Income, expenses and loan payments | Only principal reduces debt |
| Forecast | Financial forecast up to 24 months; payments 7 days to 3 months | Based on your inputs, not a guarantee |
| Household | Optional private-iCloud sharing | No automatic settlement or verified Free sharing access |
| Bank connection | Germany only; manual or CSV elsewhere | Pro does not extend country availability |
More guides
- Cash flow forecast app for iPhone
- Budget apps for iPhone 2026
- Budget app without a subscription
- Budget app vs. spreadsheet for students
- Monthly budget for your first job
- Budget on €2,500 take-home pay
- Net worth app for iPhone: your whole financial picture
- Track assets, debts and net worth in one app
- Plan assets, debts and cash flow together
- Financial planning without a provider cloud
- Budget app without bank access: manual accounts and CSV
- Budgeting as a couple or family
- Prepare your household budget for parental leave
- Mortgage payments, remaining debt and your budget
- KRONO pricing: Free features and Pro subscriptions
- KRONO vs Finanzguru: planning or connected-account analysis?
- KRONO vs Outbank: banking and financial planning
Frequently asked questions
Does KRONO tell me how much I can borrow?
No. Your lender must assess affordability and eligibility.
Does it calculate local property taxes?
No. Enter confirmed local costs from reliable documents.
Can I plan without bank sync?
Yes. Use manual figures or CSV; automatic bank connection is Germany-only.